we comply with laws when they're written and comply with the law. that's not the issue. the issue is that the law . >> my time is -- to be clear of the bill came out of the congress and it was a law you intend to follow it to the letter. >> we always endeavor to follow the law. all right. i want to to be sure. you will follow it. endeavoring and following slightly different. i can't comment on a law i haven't read. we need to discuss them. could you set an order -- on the $3 million cap roughly $20 5,000 a year. new policy, can you tell me. the wall "the wall street journal" estimates that 6% of the population will be impacted by the new cap. i remember your testimony saying a small amount of people. heard a lot of complaining about the 1%. are with targeting the of%? our position is clear. we want all american to save for their retirement. open we want to encourage people who don't save to save. we want to make it easier not harder. in a world of tough choices when most have less than $100,000. saying the tax benefit ends at $3 million is a reasonable treadoff to me. >>